Business news & features p3

Is science the new finance? If and when we sort out the mess caused by the credit crunch, the UK will face a deeper question: what will be the basis of our future prosperity? The answer was supposed to be financial services; our lumbering old heavy industry might not be able to compete with emerging economies such as China and India, but the brainy chaps in the Square Mile could keep us afloat.

Cash p11

However beguiling the bank package, there's an essential but little known law that says you should be very choosy in selecting a current account. It's called the "right to offset" and is backed by legal decisions dating back to 1895.